BlastPoint's Credit Union Scorecard
SHAREPOINT
Charter #63098 · MN
SHAREPOINT has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 6.89% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -20.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits -2.4% year over year ($318M in shares and deposits).
- Membership: 20,332 members, -20.1% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 0.59%.
- Efficiency ratio 83.63% vs a 76.73% peer average.
- Loan-to-share ratio 73.22% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,332
-20.1% YoY-1.7% QoQ
|
+5.2K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$360.1M
-1.2% YoY-2.2% QoQ
|
+$128.1M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$232.6M
-2.4% YoY-1.0% QoQ
|
+$86.3M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$317.6M
-2.4% YoY-2.4% QoQ
|
+$116.9M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
0.6%
+68.4% YoY-17.0% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.6%
+7.8% YoY+2.9% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
83.6%
-6.5% YoY+1.8% QoQ
|
+6.9% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.0%
-8.8% YoY+38.7% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
73.2%
-0.1% YoY+1.5% QoQ
|
+1.7% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$27,061
+22.1% YoY-0.2% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
24.5%
-11.0% YoY-7.6% QoQ
|
-0.1% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
7.6%
+27.7% YoY+0.0% QoQ
|
-6.0% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)